Ever feel like your credit card debt is multiplying faster than you can pay it off? With rates around 22%, it’s no wonder balances are ballooning. If you’re staring down $50K or more, here’s a money hack: consider a personal loan or tap into your home equity to bundle all those cards into one lower payment. It’s like swapping a pile of bills for just one—and it could even boost your credit score! Just watch out for fees and read the fine print. Debt doesn’t have to be forever! #DebtFreeJourney #MoneyHacks #CreditCardTips #Finance